Need help budgeting. Variable income makes it hard to do so. I’m in my mid-30s with a family of four and feeling uncertain about my finances. I need guidance on taking control, paying off debts, and building a retirement fund. It’s been tough for me to budget due to a variable income, and I’m not sure what I should be doing whether that should be saving, paying debts off, how much that I should be paying …

Actually Rules for Budgeting I feel so bad for asking because I know I’m in a better place financially then other people but I just want to make sure. I make around 4400 a month and want to move into a place that is around 2000 with utilities and internet included. I own my car, have paid off all student loans, but this is the first time I will be completely independent. Bu…

Advice Needed: Budgeting Tips for Saving Money in a New State I’m a 22F who just moved to a new state for work, and I’m having a tough time saving up. After all the moving expenses, my budget feels tight. I make around $1,300 a month, with rent, utilities, and groceries eating up a big chunk. I’ve already swapped to a cheaper phone plan, started cooking at home more, and cut back on unnecessary stuff, but …

Budgeting for future car So in one year I won’t have my car payments anymore 🤸‍♀️My question is: when putting together a monthly budget for my living expenses in preparation for buying a house, how do I factor in the cost of a future new car (likely 8-10 years from now)? I have been putting the budget together with no car payment but realized that’s not entirely realist…

Confused about budgeting with uncertain income I posted a while back about how I generally find budgeting (very) confusing, but I have a new problem on the horizon. I’m currently on a temporary contract that could end at the end of July. It could also be extended but I’m at the whim of various factors outside of my control. So my income is currently uncertain. How is it possible to make a pl…

When budgeting for a house, should I factor my net income with the months I get an extra check or based off the lowest check month? Trying to figure out if I should use $7266 for my monthly net income as that’s how it is with 2 checks or $7842 with the months I get an extra check. submitted by /u/austinalexan

Recently Married – How to navigate money planning / budgeting with income differences Hi there, my husband (together 7 years, married 7 months) and I have very different money situations and we have no idea how to begin the discussion or how to plan joining our finances. I recently went through the wiki and created my personal budget. I was looking at trying to do the 50/30/20 rule. At the moment I bring home about $3,800 a month…

Budgeting Advice/Check Up Hey everyone, I’m 28, work ~50 hours/week (+/-4 usually) and with that overtime make in the ballpark of $60k. I’m currently living with my parents still but I’m putting more than what I would be paying in rent into cash savings ($1800/mo). I currently have an $8k rainy day fund and $39k in a HYSA that I plan to use as the down payment on a singl…

I feel enlightened from a budgeting app I just started using a budgeting app for the real first time in my life. To say I feel ENLIGHTENED is an understatement. I’m spending SO much money that I feel like I don’t have?? And that I didn’t know I was spending?? And all of a sudden I have an easy to understand financial report right in front of me PSA to everyone – go download an app s…

Budgeting for a home with possible future pay cut I recently turned 24 and I’m starting to educate myself on the home buying process. In a bit of a tricky position where I’m getting paid more for my job role than market average, plus I average between 6-10 overtime hours a week, getting paid time and a half. I have been with this company for 7 years, so I feel pretty secure here. Worked my way …

Advice on budgeting and paying off CC debt Any advice on my giant CC debt repayments as I try to find work that pays better? Currently making around $2,800 a month. My bills are almost close to that but my 3 CC’s (27k debt) are averaging around $740 minimum a month. I can’t even seem to make payments in time without catching late fees. My credit has dropped to the 622 range from over use…

Just Graduated – Need second opinions on budgeting 22 years old and just graduated college starting a nice job salaried at 65k, living with parents for 1 year – owns my car. State tax 3.07% Employee Benefits: HDHP, vision, dental total : $170/mo 401k match 100% up to 6% HSA with $600 employer contribution Debt: 27,500 in student loans ~284/mo over 10yr (repayment starts in October) Goals: A…

Are there any actually good budgeting apps? I was a Mint user, and completely loved and understood the app setup. Credit Karma doesn’t offer the budgeting features I actually used on mint, and the app is full of other features useless to me. I tried to set up Rocket Money- the UI/UX felt like a nightmare, and after spending an hour trying to figure it out, I canceled my membership and h…

Looking to move out for the first time looking for budgeting advice. Its come time that I decided I want to move out. What are your guys suggestions for budgets I should be allocating around? Also what bills should I expect? I dont want to forget anything and would like to have everything pre planned as much as possible. I currently have a healthy savings (Half a years worth of my salary) and feel like the best t…

Budgeting/Investing advice and trackers? To give you a bit of an idea, I’m a 23yo currently working in a tax-free country and make 53K USD per year ( can be a bit higher based on bonus). I do live with my parents at the moment but am planning on moving out in 6 months or moving countries to pursue my Masters so I do need to start budgeting to ensure I have a sufficient rainy day funds….

Budgeting apps recommendations Any good apps for budgeting that will track categories of spending for you as you spend it? submitted by /u/chefboyar_JD

Budgeting help. Any advice? What is the best approach to trying to maintain a grip on expenses to avoid credit card debt. I just paid mine off, but only because of a windfall; and would like to avoid a repeat. (struggling). I have a financial advisor and he just says to limit expenses and increase income. Hard to do the latter. We barely eat out or shop other than for groc…

Tips on budgeting/living less lavish Hi All, I have just consolidated all my loans and thankfully now have a manageable amount to pay each month. I have used the money to pay off everything I have outstanding. It is not a large loan but definitely more than manageable. This would mean for the first time in a long time, my account is looking very good. I am looking for tips on how…

Budgeting app like EveryDollar? but better? Hi there, I got super into budgeting lately and tried out YNAB and EveryDollar. I ended up going with Every Dollar because I really liked their layout and how simple it is. The drag and drop is so nice and its simple to understand. YNAB was confusing to me. This is the catch. I guess EveryDollar’s creator does not believe in credit cards so you …

Need your input on how bad I am in the hole and how to climb out of it: budgeting and debt. Currently make 47K a year. Take home each month is approx 2,880 (I’m rounding my debt to the nearest dollar) Chase Freedom Flex: 1450 (interest – not paid off by end of month usually, I put down $200-$400 depending on affordability) Capitol 1: 500 (pay this off by end of each month) PayPal credit: 474 (pay this off by end of month) Medical Deb…